2. FUNBODEM
Please note that the information you are viewing is 126 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Wisigara
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2013-10-10
Data version: 2
Age of data: 126 months
Choose version

Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 139 months
Choose version

Product

Transporte Product 8 of 10 « Prev | Next »

Product

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Product Summary

Number borrowers466
Loan Amount (range)USD 500 - 25,000
Loan Term (range)6 - 48
Other Services (text summary)Credit Ins
Annual Interest & Method18.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.36%-2.88% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.1% - 36.0%
Fee Component0
Insurance Component0.6% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)19.8% - 26.7%
Transparency Index (min/max)52 - 95
Transparency Index (average)77

Product Summary

1,062
RWF 20,000 - 2,000,000
3 - 12
Credit Educ, Business Training, Other Training
24.00% annual, Decl Bal
2 fees
0.08%-2.32% upfront
None
20.00% upfront
 
17.6% - 57.8%
2.1% - 20.3%
0.3% - 0.7%
0
40.8% - 110.7%
22 - 80
39

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,736,926.16
Portfolio (USD)USD 1,736,926.16
Active Clients with Loans466
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este producto apoya al sector del transporte publico con el objetivo de mejorar el servicio de transporte en la comunidad.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherDebe estar afiliado a alguna asociacion, cooperativa y /o Sindicato de transporte.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveSanta Cruz

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 121,216,740
Portfolio (USD)USD 189,401.16
Active Clients with Loans1,062
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Product for commerce activity, such as buying and selling crops and other items in the market.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product7
Regions ActiveBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu, Rutsiro

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5005%
USD 1,500-5,00030%
USD 5,000-10,00030%
USD 10,000-15,00020%
USD 15,000-18,0005%
Greater than USD 18,0005%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average38.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 20,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00020%
RWF 500,000-1,500,00040%
RWF 1,500,000-2,500,00040%
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months60%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionPago del seguro de desgravamen
% of loan amount - min0.36%
% of loan amount - max2.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe aplica 0.06% en cada cuota cargado en el saldo pendiente del principal
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionPaper Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0.08%
% of loan amount - max2.32%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on client age & loan term
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Transporte samples
Sample 1Sample 2Sample 3
Loan AmountUSD 1,501USD 3,500USD 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-272013-12-272013-12-27
Loan Term (Months)20.0 months31.0 months19.0 months
Grace Period (Months)0.5 months0.5 months0.5 months
Total Cost of CreditUSD 384.85USD 1,299.01USD 2,646.21
True Price by Comp     
Interest price component26.1%24.1%19.1%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.7%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.7%24.8%19.8%
Transparency Index677391
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Commerce Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 120,000RWF 250,000RWF 460,000RWF 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-07-302012-07-232012-01-112012-07-31
Loan Term (Months)3.1 months12.0 months12.0 months12.0 months
Grace Period (Months)1.0 month1.0 month3.0 months1.0 month
Total Cost of CreditRWF 16,035RWF 39,562.50RWF 80,735RWF 153,740
True Price by Comp       
Interest price component57.8%23.7%23.8%23.7%
Fee Component20.3%5.2%4.0%4.4%
Insurance Component0.7%0.5%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component31.9%15.6%12.6%15.3%
Full APR (int fee ins tax dep)110.7%45.0%40.8%43.8%
Transparency Index22535955
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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